Enter the dates from your foreclosure papers and see how much time you have — and what to do next.
An estimate for planning, not legal advice — timelines can vary by county and case. Confirm every date with your papers, the court, or your attorney. Free help: find a HUD-approved housing counselor.
Arkansas uses a both (nonjudicial dominates residential) foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Statutory right to reinstate: at any time after the notice of default and intention to sell is recorded and prior to the sale, the borrower may pay all past-due amounts plus actual costs and trustee's/attorney's fees (excluding principal not yet due absent acceleration). All foreclosure proceedings must then be dismissed and the mortgage reinstated as if no acceleration had occurred. Ark. Code Ann. §18-50-114
Before the sale: Yes — reinstate (pay arrears, §18-50-114) or pay off the full loan balance at any time before the sale.
After the sale: NONE after a nonjudicial (statutory) foreclosure sale: §18-50-108 provides the sale terminates all rights of redemption. After a JUDICIAL foreclosure, §18-49-106 gives a 1-year redemption right (sale price + interest + costs), but it may be — and in standard residential mortgages routinely is — waived in the mortgage, so in practice most Arkansas homeowners have no post-sale redemption in either track. Ark. Code Ann. §18-50-108 · Ark. Code Ann. §18-49-106
The homeowner keeps title and can sell the home (keeping equity above the payoff and costs) at any time until the foreclosure sale is actually held. After the sale, all redemption rights are terminated (§18-50-108); surplus auction proceeds go to lienholders first under §18-50-109.
Want the fuller picture beyond the dates? Read the Arkansas foreclosure guide — timeline, rights & options.
After certification to the Commissioner of State Lands (sale no earlier than 1 year after certification; homestead owners get personal service at least 60 days before sale), the owner may redeem by paying all taxes, penalties, interest, and costs until 4:00 p.m. the last business day before the auction; COSL rules also allow a short post-auction redemption window of 10 business days. Verify current deadlines with COSL (cosl.org). Ark. Code Ann. §26-37-301; Commissioner of State Lands Rules (Ark. Admin. Code 135.00)
PRACTITIONER ESTIMATE (not statutory): federal rules bar starting foreclosure until 120+ days delinquent (12 C.F.R. §1024.41(f)); the Arkansas statutory notice then requires 60+ days between recording and sale, with 4 weeks of publication. An uncontested residential nonjudicial foreclosure typically runs roughly 6-8 months from first missed payment to sale; judicial foreclosures take longer. (Practitioner estimate, not a statute.)
If your mortgage predates your military service, the federal SCRA generally requires a court order to foreclose during active duty and for 12 months after (50 U.S.C. §3953). These protections must be raised — tell the court and your counselor.